Well, we woke up on November 8th in our Sunnyvale home to find out that due the wind/rainstorm that came, there was a flood in my kitchen caused by a significant and direct failure of our vent pipe on our roof. From never a problem to a deluge, to being directed to remove all my cabinets, island, and half of my beautiful laminated floors. Needless to say, after doing some legal research, and the fact that right now I have to file a claim with the DOI because my insurance company, Assurant, is refusing to pay for my renovation at all, or the additional $6+K from First Response, needless to say, this is a serious and devastating issue. 20 years of paying for this insurance and never having filed a claim, I am presently hit with an almost $56K renovation, right before my retirement, thank you very much. I made some calls and one thing I need to share with all is this very important suggestion. Unfortunately, it is not the procedure from these companies to ensure coverage for you and/or request or suggest that before they tear all your cabinets, floors, island, etc...be sure to thoroughly check your insurance policy first to make sure that your insurance is going to cover you legally, and that your "new kitchen" will, in fact be truly covered. Also, how you verbalize your issue is also what will either make or break your claim approval. I heard that there are many companies that are not reputable, and guide you in the wrong direction because they get cuts from other contractors, etc. I am NOT accusing Angel Palacios of that, and as a matter of fact he is a really nice guy and very supportive, but looking at the emergency that came before us, and never being in this position or having any experience on these types of emergencies, the extra step of looking over my policy should have been a priority. A company representative should have sat down and looked it over with you to avoid what has happened to us. Every insurance is different, and to be told that "legally they owe you a new kitchen" is misdirected on many levels. Remember, wind or rain is not a peril, and insurance companies will not cover it. This is a very hard lesson!!! :( read more